WallStSmart

RedCloud Holdings plc Ordinary Shares (RCT)vsShopify Inc (SHOP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Shopify Inc generates 27237% more annual revenue ($13.27B vs $48.54M). SHOP leads profitability with a 14.5% profit margin vs -95.3%. SHOP earns a higher WallStSmart Score of 63/100 (C+).

RCT

Avoid

24

out of 100

Grade: F

Growth: 6.0Profit: 2.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -30.54

SHOP

Buy

63

out of 100

Grade: C+

Growth: 10.0Profit: 7.5Value: 4.0Quality: 8.5
Piotroski: 3/9Altman Z: 6.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RCT.

SHOPUndervalued (+23.1%)

Margin of Safety

+23.1%

Fair Value

$152.08

Current Price

$146.58

$5.50 discount

UndervaluedFair: $152.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RCT1 strengths · Avg: 10.0/10
Debt/EquityHealth
-1.7110/10

Conservative balance sheet, low leverage

SHOP5 strengths · Avg: 10.0/10
Market CapQuality
$205.72B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
33.7%10/10

Revenue surging 33.7% year-over-year

EPS GrowthGrowth
68.1%10/10

Earnings expanding 68.1% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.6110/10

Safe zone — low bankruptcy risk

Areas to Watch

RCT4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$14.28M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

SHOP4 concerns · Avg: 2.8/10
Price/BookValuation
15.3x4/10

Trading at 15.3x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.612/10

Expensive relative to growth rate

P/E RatioValuation
107.8x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : RCT

The strongest argument for RCT centers on Debt/Equity.

Bull Case : SHOP

The strongest argument for SHOP centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 33.7% demonstrates continued momentum.

Bear Case : RCT

The primary concerns for RCT are Revenue Growth, EPS Growth, Market Cap.

Bear Case : SHOP

The primary concerns for SHOP are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 107.8x leaves little room for execution misses.

Key Dynamics to Monitor

RCT profiles as a turnaround stock while SHOP is a growth play — different risk/reward profiles.

SHOP is growing revenue faster at 33.7% — sustainability is the question.

SHOP generates stronger free cash flow (654M), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SHOP scores higher overall (63/100 vs 24/100) and 33.7% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

RedCloud Holdings plc Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

RedCloud Holdings plc is a pioneering technology firm that is reshaping the payment and banking landscape through its state-of-the-art digital financial solutions. Focused on enhancing financial inclusivity, the company offers a robust platform facilitating seamless real-time transactions for businesses and consumers alike. By harnessing advanced technologies, including blockchain and artificial intelligence, RedCloud delivers secure and scalable services tailored to diverse market needs. Given its strategic positioning within the rapidly expanding digital economy and the growing global demand for efficient payment solutions, RedCloud represents a compelling investment opportunity for institutional investors.

Shopify Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.

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